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This change probably does not affect you and is being hyped in the media but it is a small loophole that is being closed. It is not a magical lump sum that has to be elected and deals with "file and suspend" and spousal benefits. A spouse can only take the spousal benefit if the other spouse has elected to take their benefit. Another requirement is that the spouse must be at least age 62 or have a qualifying child in her/his care. By a qualifying child, social security means a child who is under age 16 or who receives Social Security disability benefits. Currently the law is changing and a "suspend and file" cannot be elected starting on may 1, 2016. In this circumstance at full retirement age (66) one could file and suspend their benefits and continue earning credits until age 70 and their spouse could elect to take the spousal benefit. The spousal benefit can be as much as half of the worker's "primary insurance amount," depending on the spouse's age at retirement. If the spouse begins receiving benefits before "normal (or full) retirement age," the spouse will receive a reduced benefit. However, if a spouse is caring for a qualifying child, the spousal benefit is not reduced.

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I am 62 1/2 yrs old. I was married for 25years and divorced 15 years ago. my ex is 67 1/2 years old. neither of us has remarried. he told me I was entitled to some of his social security. what are the… read more

I am a 63 yr. old woman, divorced for almost 25 yrs.(married 17 yrs, previously). I have a full time job but would like to retire. I've been told that I can receive a percentage of my ex-husband's SS … read more

I was told that I could receive 50 % of my husbands SS .. I am 64 yrs od and my husband is 68 yrs old. He started collecting at age 66. I went to SS office and they told me that they no longer offer t… read more

I am a 63 year old divorced woman after a 25 year marriage. I was awarded 8 years of a closed-end non modifiable maintenance of $1500 per month which my ex husband still owes me 3 years. He is 64 and … read more

I'm 64 yrs old divorced 10yrs was married 39&1/2 yrs......I live half & half with my two children a son and a daughter who are very good to me. I get food stamps of$120.00 ..SSI of $275.50 & SS of $40… read more

I am currently 63 and have been receiving disability benefits since 2009. My ex spouse and I divorced last May and he is still working even though he is 66. I read that he should sign up for ss benefi… read more

My wife and I are both 63. I will be turning 64 in June and she will be turning 64 in July. I am working and I am paid approximately $100,000 per year. She is not working but has earned enough credits… read more

Hello, I have been told that I am able to collect social security from my ex husbands ss. He is now retired and collecting. I am still working. I am not remarried and am 63 yrs old. A friend is same a… read more

Mr.lawyer could u possible help me to apply this retirement loopholes before it end up I'm collecting sss retirement but I'm still working at the moment because I'm renting and pay all my bills and I'… read more

I have recently learned that I can collect spousal benefits on my ex-husband. I have all the qualifiers and documents. Married more then 10 yrs, marriage certificate,divorce papers, single. He retired… read more

I can collect SS now. If I suspend my benefit and my spouse collects a spousal benefit: 1. will it be based on my benefit 2. will it be based on his benefit (he's 63) and will he receive his full bene… read more

I was reading an article on recieving an ex's benefits and had a question or 2. We were married for 17 yrs. and as far as I know, he's still alive. We are both 69. How much is the difference if I clai… read more

I am a wife currently 67 years old. I began collecting my SS benefits at age 63 in the amount of $500 a month. I am 6 years older than my husband. He just retired today at age 62. His benefit at 62 is… read more

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Disclaimer: Information in questions, answers, and other posts on this site ("Posts") comes from individual users, not JustAnswer; JustAnswer is not responsible for Posts. Posts are for general information, are not intended to substitute for informed professional advice (medical, legal, veterinary, financial, etc.), or to establish a professional-client relationship. The site and services are provided "as is" with no warranty or representations by JustAnswer regarding the qualifications of Experts. To see what credentials have been verified by a third-party service, please click on the "Verified" symbol in some Experts' profiles. JustAnswer is not intended or designed for EMERGENCY questions which should be directed immediately by telephone or in-person to qualified professionals.